A Permanent Change of Station (PCS) is more than just a move—it’s a major life transition for military families. While the Department of Defense (DoD) provides a variety of allowances and reimbursements to ease the financial burden, many families are caught off guard by the hidden costs that often fall outside of what’s covered.
As a real estate professional with years of experience serving military families, I want to help you plan ahead by highlighting some of the most common out-of-pocket expenses associated with a PCS move.
Housing-Related Expenses That May Not Be Covered
Your housing situation is at the center of every PCS move—and it’s also where some of the largest unexpected costs can show up.
💸 Lease-Breaking Fees
Receiving short-notice orders while renting? You may be on the hook for early termination fees. These aren’t always waived and are rarely covered by the military. Always review your lease agreement carefully, and try negotiating with your landlord.
🏡 Security Deposit & First Month’s Rent
Moving into a new rental typically means paying both the security deposit and first month’s rent upfront. While your Dislocation Allowance (DLA) may help offset costs, it often doesn’t cover everything—especially in competitive markets.
🏠 Selling a Home
If you own your home, selling it can involve substantial costs: real estate commissions, closing costs, repairs, and staging fees. These expenses are not reimbursed by the DoD. Work with a real estate agent who understands military timelines and market conditions.
🛏 Temporary Housing Costs Beyond Allowance
The DoD provides Temporary Lodging Expense (TLE) or Temporary Lodging Allowance (TLA), but these are capped. If your goods are delayed or housing isn’t immediately available, you may need to pay out of pocket for additional hotel stays and meals.
Personal & Family Out-of-Pocket Expenses
Even beyond housing, the costs of moving add up quickly for military families.
🍽 Eating Out
Whether you’re on the road or settling into your new home, you’ll probably eat out more than usual. Per diem helps—but it often doesn’t stretch far enough for families, especially over multiple days.
🧼 Household Essentials & Cleaning Supplies
Movers won’t pack opened cleaning products or food. Once you arrive, you’ll need to restock—cleaners, pantry basics, paper goods, and possibly household items like linens or cookware. It adds up fast.
🐾 Pet Transportation
Moving with pets—especially overseas—can be expensive. Think: vet visits, vaccinations, health certificates, airline fees, and even quarantine costs. These are generally not reimbursed by the DoD.
🚗 Car Repairs or Maintenance
Driving cross-country? Your vehicle may need an oil change, tire replacement, or emergency repair. These are your responsibility and can throw off your budget.
🪪 Licensing & Vehicle Registration
Relocating to a new state usually means updating your driver’s license and vehicle registration—another out-of-pocket cost that varies widely by location.
👶 Childcare
If base-operated childcare is full or unavailable at your new duty station, you may have to rely on civilian options. While new pilot programs may help with some travel costs for providers (starting October 2024), ongoing childcare expenses are usually paid out of pocket.
Miscellaneous Moving Costs to Consider
PCS moves come with a lot of little things that don’t make it into the official reimbursement forms—but they still affect your wallet.
📦 PPM/DITY Move Supplies
If you opt for a Personally Procured Move (PPM), you’ll be reimbursed by weight. But the cost of boxes, tape, bubble wrap, and moving equipment is on you.
💵 Tips for Movers
While tipping is optional, many families choose to show appreciation with cash or snacks—another cost that’s easy to overlook.
🌐 Internet & Home Office Setup
Installation fees for internet and other services are rarely reimbursed. If you work from home, you may also need to purchase new furniture or office supplies to get back up and running.
Final Thoughts: Plan Ahead, Stress Less
A PCS is more than just changing addresses—it’s a shift in your daily life, finances, and family routine. Being aware of the hidden costs gives you a better chance at budgeting wisely and avoiding unnecessary financial stress.
💡 Tips to Prepare:
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Start saving early for out-of-pocket costs.
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Keep receipts and track expenses (some may be tax-deductible).
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Reach out to your installation’s Personal Property Office for detailed guidance on entitlements and reimbursements.
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Work with professionals—real estate agents, lenders, and planners—who understand military life.
If you’re preparing for a PCS and have questions about housing, renting, or selling your home, we’re here to help every step of the way. Let’s make your move smoother and more financially predictable.
📞 Bill Vernon | 254-495-5661
📧 bill@i35group.com